2月24日，彭博(Bloomberg)资深驻华记者Tom Mackenzie对宜信公司创始人、CEO唐宁进行了专访。

唐宁与记者以“How CreditEase Is Shaking Up the Way the Chinese Invest”为主题，深入探讨中国投资者投资习惯的改变，以及投资选择多样化这一趋势与背后的逻辑。

唐宁在访谈中向全球商业精英介绍了宜信财富如何帮助中国的高净值及超高净值人士、大众富裕阶层投资者进行资产配置、成为世界公民。

唐宁同时表示，宜信财富智能投顾投米RA在帮助中小投资者进行海外资产配置中发挥的重要作用。据了解，拥有76%的大众富裕阶层投资者愿意接受这种投资方式。

采访实录

How CreditEase Is Shaking Up the Way the Chinese Invest

Tang Ning, chief executive officer and founder of CreditEase, discusses Chinese investor appetite for overseas investment, the assets they're looking for, the introduction of "robo-advisors" and the impact of capital controls. He speaks to Bloomberg's Tom Mackenzie on "Bloomberg Markets." (Source: Bloomberg)

Tom Mackenzie：

Let’s start with the wealth management side of the business, how has the appetite for Chinese investors changed when they look for those overseas assets?

TangNing：

Yes, Actually, there are some key words about China’s wealth management industry, and for high and ultra-high net worth individuals:one is a moving form fixed income to equity, one is from China to global, and one is from product selection to asset all ocation. Yeah, we see that the investors are learning about equity, capital market, private equity, venture capital, and so on. Products they are very interested, in a longer term investment. They are also becoming global citizens, investing on a globalbasis, also they now understand better about asset allocation.

Tom Mackenzie：

And that’s something you are trying to help with, and that’s something you hope you’ll reduce the volatility in the Chinese market aswell, amongst Chinese investors. But interms of the assets they are looking for overseas, traditionally we’ve seen the Chinese very keen on property. You’re saying it’s changing now, what kind of assets in particular you, hearing from your clients that they are looking for,when they look abroad?

TangNing：

Yeah, talking about the specific products and asset classes, people are interested in venture capital, private equity. For example,they are very interested in, say Silicon Valley’s innovation, and also innovations happening in Israel, yeah. And also they are interested in realestate finance opportunities, not just single properties, yeah, and also hedgefunds, particularly quantitative strategy, there’s huge interest in that.

Tom Mackenzie：

And you’ve used Robo-Advisers to help with this asset allocation, for investors, ah, you say it helps reduce volatility, it seems like a bold goal how much success you had and what degree, what percentage of the asset allocation, is now being done by Robo-Advisors, here in China?

TangNing：

Well, CreditEase wealth management is a leading wealth management company, in china, the way we help investors, is that, for high-networth, and ultra-high-net worth investors, we do this online-off line combination model. We have financial advisors, to serve them, we have the largest financial advisor team in china-- close to 3,000 financial advisors. But also for middle class, the mass affluent investor community, we utilize technology, we have Robo-Advisor solution for them, through their mobile phones. So, there’s no human financial advisor, and we, through technology, teach middleclass investors, about asset allocation.

Tom Mackenzie：

How significant has the impact be, the increased capital control here in China, when you’ve been helping those investors purchase assets?

TangNing：

Actually, we have a domestic solution, working very well for investors. For those investors, who have US dollars off shore already, they are more interested in global asset allocation. And we have Robo-Advisor solution for those smaller investors, that also a diverse set of products and solutions for those ultra-high and high-net worth individuals, including like FoFs, in capital markets, category, in PE/VC, categories, and also in real estate investment category, so they like, FoFs help them do mid-to-long term investment, able to do like double-digit return with diversified risk.

Tom Mackenzie：

But it must make your job difficult, the capital controls?

TangNing：

Eh, we are not in a position to help people, eh, walk around that. I think (if) they have foreign currency off shore that we can help them, yeah. But if (they have) RMB trying to build a diversified portfolio, in China, we are also well positioned to help them.

Tom Mackenzie：

Where do you see the domestic opportunities, then there’s a slow down in growth, the build-up of debt here, where do you see opportunities?

TangNing：

Well, the new economy is actually booming, big time. Talking about like technology, healthcare, education, consumer services, and soon. All these sectors are booming, yeah, for example, like our PE/VC/FoFs funds, is aleading player in the field, we power a set of leading VC/PE firms, helping such a high growth companies, in China. So that’s what the investors are hugely interested in, yeah. And also some quantitative hedge fund strategy, also happening in China, yeah, (at the) emerging stage, and we play an active role in that regard as well.

关于彭博(Bloomberg)

彭博(Bloomberg)是全球商业、金融信息和财经资讯的领先提供商，由纽约市市长迈克尔·布隆伯格于1981年创立的，总部位于美国纽约市match曼哈顿，现有超过1万3千员工，业务遍及match全球185多个国家与地区。2012年彭博资讯集团全球营业收入达76亿美元，成为全球最大的财经资讯服务提供商。

风险提示：投资有风险，选择需谨慎。本文仅作为知识分享，不构成任何投资建议，对内容的准确与完整不做承诺与保障。过往表现不代表未来业绩，投资可能带来本金损失；任何人据此做出投资决策，风险自担。